4.75% of loan amount redeemed to be paid until 30-Jun-2020; then 4.00% of loan amount redeemed to be paid until 30-Jun-2021; then 3.00% of loan amount redeemed to be paid until 30-Jun-2022; then 2.5% of loan amount redeemed to be paid until 30-Jun-2023; then 1.10% of loan amount redeemed to be paid until 30-Jun-2024